Annuity loan vs. home savings contract - comprehension questions

There is a huge difference between "having to" pay €2500 monthly and being able to make up to an additional €15k. That would make me feel like my flexibility is gone.

Very few people have experience here, and I count myself among them, with a monthly housing burden of €2500.

In the end, it only matters that we all manage to pay off our homes and stay healthy. 20 years is so unpredictable.

I am glad that we are already further along in our life situation than others. 1 of 2 children is of school age (the other almost). The wife is working again, etc, etc.

Yes, that's true, you can only plan relatively little...

What will it be for you now?

What will it be with you now?

do you already have your loan agreement at the great interest rate?

The approval is still pending. It has only been 5 working days since submission.

You yourself took out nearly €350k, you also have 2 children and need to be done before retirement or earlier. You can't manage that with only a 2% repayment?

Why not? Anyone who is 30 years old today has 37 years. More than enough even with an initial 2% repayment...

Whether it can be done faster is another matter.

And: Raising an additional €150,000 in 10 years will not be possible for everyone. Especially in the first 10 years, when you basically start from zero. There are also other burdens that could arise in the ~30 years (new car, vacation, children studying abroad, part-time work to care for parents, house renovation, ..., who knows) and income generally does not increase enormously.